Bank system, method and program for corporate finance overseas credit management

A banking system and credit technology, applied in the field of banking system, can solve problems such as time-consuming and difficult extraction

Pending Publication Date: 2018-01-19
SUMITOMO MITSUI BANKING CORP
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] In the conventional banking system, when the performance of a certain company deteriorates sharply, it takes time to extract financing related to the company
When a worldwide financial crisis (for example, the Lehman shock) occurs, or when a certain item suffers a huge loss, it takes time correspondingly to extract companies affected by such an event in the conventional banking system
In the event of a certain event (e.g., a drop in crude oil prices), it was difficult to extract companies whose performance deteriorated due to such an event in the conventional banking system.

Method used

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  • Bank system, method and program for corporate finance overseas credit management
  • Bank system, method and program for corporate finance overseas credit management
  • Bank system, method and program for corporate finance overseas credit management

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Experimental program
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Embodiment Construction

[0034]

[0035] The meaning of the following terms used in this specification is defined.

[0036] Overseas credit: financing provided by a bank's overseas branch or a local legal entity associated with the bank to the bank's customers. As terms equivalent to credit, there are facility and exposure. The former is used when referring to individual credits and the latter is used when referring to credits to customers as a whole.

[0037] Overseas credit management: manage the credit status of companies that are financing targets in overseas credit.

[0038]Lending Office: A branch or local legal person that assumes credit responsibility. In the case of dealing with multiple branches or local legal persons as one customer, the primary credit line (PLO: Primary Lending Office) refers to the office (Office) that centrally manages customer information and conducts debtor evaluation, and the secondary credit line (SLO: SecondaryLending Office) refers to the office (Office) other...

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PUM

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Abstract

In the present invention, a bank system for corporate finance overseas credit management is provided with: a first storage means for storing customer information that is shareable by a plurality of entities; a second storage means for storing information regarding a management unit (Deal) of a credit transaction; an approval means for approving the execution of a credit transaction set forth in amanagerial decision request form and, with the customer information and deal information as of the time of creation of the managerial decision request form, generating a first signal when the managerial decision request form is approved; and a control card generation means for generating a control card in response to the first signal, wherein the control card indicates the progress status of workrelevant to the approved credit transaction. The Deal information contains information of one or more credit branches and information of one or more debtors. The debtor or debtors are associated withcustomer information. The customer information and the information regarding a credit transaction management unit are maintained by a first entity.

Description

technical field [0001] The present invention relates to a banking system, method and program for overseas credit management of corporate finance. In more detail, the present invention relates to a banking system, method, and program for overseas credit management for corporate financing, which has customer information that can be shared by multiple entities, and has the ability to handle one or more credit lines and Information about the credit transaction management unit of one or more debtors, and can identify the progress of the related business of the credit transaction. Background technique [0002] In recent years, with the expansion of overseas business scale, the balance of overseas credit in banks, the number of debtors, and the number of countries and regions where debtors are located have increased. Many companies set up subsidiaries or branches and / or build factories in multiple countries and regions in order to expand business opportunities. Under such circums...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q20/00G06Q40/02G06Q20/023G06Q20/06
Inventor 宇贺神清德池田和矢加藤史隆依田嘉明林正人水口拓哉松尾翔加纳雅登
Owner SUMITOMO MITSUI BANKING CORP
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